Kenneth Gallagher is a CFP® with 24 years of industry experience, currently serving at Commonwealth Financial Network. He previously worked at Northwestern Mutual in various roles from 2002 to 2024 before joining Duthie & Gallagher Wealth Management. Outside of his advisory work, he serves as a trustee for a family trust that manages residential real estate investments. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser supporting a national network of approximately 2,900 advisors. The firm offers a broad platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Andres Han is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and 14 years of industry experience. He previously worked at CUNA Brokerage Services, Inc. and has been affiliated with Schools First FCU since 2014, where he also serves in an advisory capacity. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, and corporations through a wide network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management along with research and model portfolios from various sources.

Camden Miller is a financial advisor with Ameriprise in San Dimas, CA, holding Series 65 and Series 63 licenses and three years of industry experience. Prior to joining Ameriprise, he worked at The Prudential Insurance Company of America, Pruco Securities LLC, and Optimize Financial, Inc. He also has experience outside finance, including work at Klean-Sweep Parking Lot Service, Inc. and Handel's Ice Cream. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides detailed retirement planning advice focused on income reliability and tax-efficient withdrawal strategies.

Casey Reyna is a financial advisor with LPL Financial, holding a Series 66 designation and beginning their advisory career in 2025. Prior to joining LPL Financial, Reyna's work experience includes roles at FedEx Ground and the University of California, Santa Barbara. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory and brokerage services, including financial planning and retirement plan consulting, supported by model portfolios and research.

Kyle Bacskai is a financial advisor with Wells Fargo Clearing, holding Series 65 and Series 63 licenses. He has one year of industry experience and previously worked at Northwestern Mutual, Mora Financial, and EssilorLuxottica. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Leslie Coulson is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 30 years of industry experience. Prior to joining LPL Financial in 2025, Coulson worked for Centaurus Financial Inc. for ten years and is also involved with Eldercalifornia. Additionally, Coulson serves as a notary. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations, offering financial planning, advisory programs, and retirement plan consulting through a national network of investment adviser representatives.

Carlos Guerrero is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds a Series 66 designation. His prior work includes roles at Merrill and Bank of America from 2016 to 2024. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Robert Corraliza is a financial advisor at Fidelity with three years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including JPMorgan Chase Bank, N.A., J.P. Morgan Securities, and MassMutual. Fidelity’s subsidiary, Strategic Advisers LLC, provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a variety of fund and model portfolio strategies.

Kurt Neilan is a CFP® with 27 years of experience in the financial services industry. He currently works at OSAIC and has previously been with Woodbury Financial Services, Inc. for 20 years. Neilan is also a CPA with ongoing involvement in tax preparation and accounting through Neilan & Associates, CPA Inc. OSAIC serves a wide range of clients, including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services across multiple platforms and employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios.

Nora Jashari is a financial advisor with Fidelity, holding a Series 66 designation and nine years of industry experience. Her prior work includes roles at Wells Fargo Clearing, JP Morgan Chase Bank, Merrill, and Bank of America. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, with a focus on discretionary portfolio management and model portfolio construction using proprietary research, quantitative analysis, and algorithmic methodologies.

Ho Yan Tam is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 10 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank, NA. Outside of his advisory role, Tam is actively involved in managing several restaurant businesses in Claremont, CA, including serving as general manager and authorized signer. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Christian Bidolli is a Planning Consultant at Fidelity Investments, where he currently leverages the firm's tools and resources to simplify complex financial decisions and collaborates with clients to develop personalized strategies. His professional journey at Fidelity began as an intern in 2024, followed by roles as a Financial Representative and Relationship Manager before assuming his current position in 2026. Christian holds a California Insurance License. Outside of his professional work, he has interests in cars, fishing, and golf.

Roxanne Jones is a financial advisor at OSAIC with 32 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked with Independent Capital Management and Sagepoint Financial. Outside of her advisory work, she serves as treasurer for Camille Russell Wooden Ministries, a nonprofit organization. OSAIC serves a diverse clientele including retail and institutional investors, offering a range of integrated brokerage, investment advisory, and financial planning services through a large network of affiliated advisers and multiple platforms. The firm employs asset-allocation tools and a variety of investment options to construct portfolios managed on both discretionary and non-discretionary bases.

Kenneth Smith is a financial advisor with Primerica Advisors in Riverside, CA, holding Series 65 and Series 63 licenses and 2 years of industry experience. His prior work includes roles at PFS Investments Inc. and Primerica Financial Services. He has additional experience in the restaurant industry and education. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm relies on model-delivery strategies managed by unaffiliated asset managers and supports trade execution through BNY Mellon Advisors and Pershing.

Damon Hopkins is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMC Bank NA since 2018. Prior to that, he was employed at Scottrade from 2015 to 2018. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Bruce Hibma is a financial advisor at Morgan Stanley with 45 years of industry experience. He holds a Series 63 designation and has been with Morgan Stanley since 2009, including time at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs to individuals and institutions, with approximately $2.74 trillion in client assets under management. The firm offers tailored financial planning through its Financial Advisors and Estate Planning Strategies Group utilizing structured discovery processes and firm-approved planning tools.

Ashkhen Ispiryan is a financial advisor with Edward Jones in Rancho Cucamonga, CA, holding a Series 66 designation and eight years of experience at the firm. Prior to joining Edward Jones in 2018, she was not employed in the industry. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies and affiliated financial services.

John Storm is a financial advisor at OSAIC with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Securities America Advisors, Transamerica Financial Advisors, and World Financial Group. In addition to his advisory work, he is the CEO of a health insurance business and a certified Covered California health agent. OSAIC Wealth, Inc. serves a broad range of clients including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools, risk-tolerance questionnaires, and third-party platforms to construct diversified portfolios across various asset classes.

Sandra Ruiz is a financial advisor at Fidelity with four years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing and Wells Fargo Bank, NA. Outside of her advisory role, Ruiz owns a catering business, Bella Vita Boards, operating on some weekends. Fidelity’s Strategic Advisers LLC serves a diverse client base including retail and institutional investors, providing advisory and portfolio management services that integrate fundamental research with quantitative analysis and systematic portfolio construction.

Margaret Cape is a financial advisor with Morgan Stanley in Riverside, CA, holding a Series 66 credential and possessing 17 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors. Outside of advisory work, she is employed in customer service at a retail and online store. Morgan Stanley Wealth Management is an SEC-registered advisor and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured tools and analysis.